Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

Questions tagged [financing]

102 questions
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14 answers

Should I finance a new home theater at 0% even though I have the cash for it?

My wife and I are considering buying a home theater - plasma TV & new stereo - on Black Friday this year. We do have the cash for it, but Best Buy is offering 0% financing for up to 3 years on its store credit card. We both have excellent credit…
gabeanderson
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4 answers

What are some tips for getting the upper hand in car price negotiations?

My family wheels are pushing 200K miles and lights are starting to come on, noises are starting to come out, and I want to investigate a newer car before I sink money into repairing mine. What are some tips when purchasing a new car? I am going to…
MrChrister
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10 answers

Could a business be structured around Multi-level Marketing, yet still be ethical?

Why is there a lot of controversy and claims that Multi-level Marketing (MLM) is unethical? I see it just as a business model. While the customers and clients, distributors or resellers of your business can be seen as a traditional business model…
Nederealm
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45
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25 answers

My parents claim they cannot pay for my college education; what are my options?

I have divorced parents, one makes a lot more money than the other, but that one (who makes more money) claims due to court rulings he pays a lot of money to the other parent and that they are wasting it on unnecessary expenses. I do not know what…
Outsider
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33
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8 answers

I'm thinking of getting a new car ... why shouldn't I LEASE one?

Why is leasing a car a bad idea?
bms2
31
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11 answers

Will a credit card issuer cancel an account if it never incurs interest?

I have a few credit cards that are currently carrying some larger "promotional" balances. These are purchases that I decided to put on a 6, 12, or 18 month 0% APR financing offer vs. taking any points or cash back offers. (Best Buy being my most…
Devin
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11 answers

Is it a good time to replace my used car?

We have a 2005 Chevy Impala with 105,000 miles that we purchased in 2011. We have made many repairs such as replacing the transmission, repairing the radiator, heating and AC system, thermostat, belt, rotors and brake pads, alternator, gaskets, and…
dlp
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13 answers

Buying my first car out of college

I just graduated college this past week and have a job lined up making 63000 a year. I was looking at buying a $27000 used 2008 BMW 328i, financing at about 500/month for 60 months. I don't have any debt of any kind and currently don't have a car…
Brian
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19
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7 answers

Should I buy or lease a car given that its not a super luxury car and I only drive 15 miles/d on avg?

For my first car, I bought a Toyota Camry. 3 years later I sold that car and I am leasing a BMW series 3. My lease will expire early next yr and I am thinking getting the X3/X5, do you recommend leasing or buying? Personally by far I think the…
livedonkey
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6 answers

In the US, is charging all interest from the date of purchase if you miss the final payment by 1 day legal?

I bought a Dell computer for around $3000 using Dell Financial. The plan is pretty straightforward: I made a small upfront payment, then about $65 per month, and after 12 months, I pay off the remaining $2100. But here’s the kicker—if I miss that…
Stefanie Gauss
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How will I pay for college?

The SAT is coming up soon for me and, with it, everything college. I had held the impression that I was just going to rack up student loans, go to college, and then pay them off with whatever job I got after college. I'm trying to be a bit more…
mowwwalker
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14 answers

I’m 18 years old and want to finance a £30,000 car

I'm 18 years old and I've always wanted an Audi Q5. Currently, I'm working full-time. I earn £28,800 annually and that will be due to go up soon. The car I've had eyes on costs £31,789. The monthly costs will be £632.02. It will be a hire purchase…
Rickss
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How can I survive the economic crisis I see will hit Argentina soon?

I'm from Argentina, where the shit is about to hit the fan just like 2001. We are going to have a crisis similar to Greece in recent times (or us 17 years ago): all debt related. I'm not an economic expert nor do I have more than the average citizen…
Jh62
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Leased a car but did not use the mileage - what options do I have

Background: About three years ago I was victim of carjacking. My car (Honda) which I owned got totaled and after a month of working with insurance I got a equivalent value of my car from insurance and the next day I leased a Chevy for 3 years / 36K…
Node.JS
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How do I set up my finances when first moving out?

I'm ready to move out, and I have a excellent job offer of 32-40 hours a week at $8.40 hourly. I am also looking at moving into a rental closer to this new job, with a roommate; the house is $400 a month, utilities included. I would also have food,…
Patty
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